Top 15 Cash Back Credit Cards

You like cash back – and you cannot lie. If you’re unapologetic about desiring cash back rewards, you’re in luck. Cards with the lowest APRs are naturally available to individuals with the highest FICO scores. But even if your credit is only average, there are cash back rewards cards available for you. There are even cash back rewards cards for students and business owners, who could almost always use some extra cash. Each of the cards listed below feature the added benefit of carrying no annual fees, and several also offer attractive perks in addition to allowing cardholders to earn cash back.

CapitalOne Quicksilver Cash Rewards Credit Cardcapitalonequicksilver

Credit Needed: Good – Excellent
Standard APR: 12.99%-20.99%
Annual Fee: None
Reward Details:
Each purchase transaction earns 1.5 percent cash back

For individuals with good to excellent credit, the CapitalOne Quicksilver Cash Rewards Credit Card is tough to beat. The CapitalOne Quicksilver Cash Rewards Card has claimed at least some measure of cool by snagging Samuel L. Jackson for its entertaining commercials. But the card itself features one of the simplest – and therefore most desirable – cash back rewards programs. Cardholders earn 1.5 percent on every purchase, every day. Period. CapitalOne also sweetens the pot by offering an introductory 0 percent APR through September 2015 on cash transactions and balance transfers. After that, the APR varies from 12.9 percent to 22.9 percent depending on the creditworthiness of the cardholder. And of course, there are no foreign transaction fees.

Chase Freedomfreedom

Credit Needed: Good – Excellent
Standard APR: 13.99% – 22.99%
Annual Fee: None
Reward Details:
Unlimited 1% cash back on every purchase. 5% total cash back on up to $1,500 in combined purchases in bonus categories each quarter

With an introductory APR of 0 percent for 15 months for purchase transactions and balance transfers, the Chase Freedom card is pretty close to qualifying as free money for individuals with good or excellent credit. The regular APR varies from 13.99 percent to 22.99 percent depending on the creditworthiness of cardholders. Cardholders actually do receive free money in the form of a 100 dollar bonus by spending at least 500 dollars within the first three months after opening a Chase Freedom account. Cash back rewards of 1 percent apply to all purchases, with an extra generous 5 percent cash back on specific categories that change every three months.

BankAmericard Cash Rewards Credit CardBankAmericardCashRewardsCreditCard

Credit Needed: Good – Excellent
Standard APR: 12.99% – 22.99%
Annual Fee: None
Reward Details: 
BankAmericard Cash Rewards cardholders earn 2% cash back at grocery stores, 3% on gas purchases and 1% cash back on all other purchases

A 10 percent bonus for Bank of America cardholders who deposit cash back funds into their bank accounts provides a powerful incentive for obtaining the BankAmericard Cash Rewards Credit Card. Cardholders who are approved via online application receive a 100 dollar bonus after making at least 500 dollars of purchases within the first 90 days. The introductory APR is 0 percent for purchase transactions and balance transfers made within the first 60 days, with a regular APR that ranges from 12.99 percent to 22.99 percent. Regular cash back bonuses are set at 2 percent for groceries and 3 percent for gas on the first 1,500 dollars of combined grocery and gas purchases every quarter, with a 1 percent cash back bonus for all other purchases, with no rotating categories.

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Citi Double Cash CardCitiDoubleCashCard

Credit Needed: Excellent
Standard APR: 12.99% – 22.99%
Annual Fee: None
Reward Details:
1% when you buy and 1% when you pay card off

The Citi Double Cash Card is a strong candidate for individuals with excellent credit. With the Citi Double Cash card you get cash back bonuses coming and going: 1 percent when you make purchases and an additional 1 percent once you make payments. Cash back benefits never expire; there are no limits to how much cash back you can earn, and there are no rotating categories to keep track of. You also benefit from a 0 percent introductory APR for purchases and balance transfers for the first 15 months after obtaining the card. Regular APR varies from 12.99 percent to 22.99 percent

Discover It CardDiscoverItCard

Credit Needed: Good – Excellent
Standard APR: 10.99% – 22.99%
Annual Fee: None
Reward Details: 
Discover it has a cash back rewards program with a 5% cash back rate on certain categories that change every three months and 1% on all other purchases

With customer service becoming a thing of the past in many quarters, the Discover it card raises the bar; beginning with the clever television commercials highlighting its U.S. based customer service – available 24.7. The Discover It card also features no over limit fees, no foreign transaction fees and no late fees for your first late payment. Your cash back bonuses are redeemable for any amount, any time you choose, and never expire. You also enjoy 0 percent APR on purchases and balance transfers for 14 months with the Discover It card. Afterward, the regular APR varies from a super-low 10.99 percent to 22.99 percent, depending on your creditworthiness.

Blue Everyday Card from American ExpressBlue Card EverydayCardfromAmericanExpress

Credit Needed: Good – Excellent
Standard APR: 12.99% – 21.99%
Annual Fee: $75
Reward Details: 
It gives 6% cash back at US supermarkets, 3% at US gas stations and participating department stores, and 1% on all other purchases. The 6% cash back at supermarkets only applies up to $6,000 in purchases, but that still represents $360 in potential savings a year

If you still think of American Express cards green charge cards which must be paid off in full every month, you are definitely behind the curve. The Blue Card Everyday Card from American Express is a credit card, not a charge card, and features a generous cash back rewards program. For instance, earn 3 percent on the first 6,000 dollars in grocery purchases each year, 2 percent cash back on gas purchases and 1 percent cash back on everything else. You can also earn 50 dollars in bonus credit plus a free year of Amazon prime by making 1,000 in purchases within the first three months of obtaining the card. Purchases and balance transfers also carry a 0 percent APR for the first 15 months. Afterward, APR varies from 12.99 percent to 21.99 percent.

Barclaycard Rewards MasterCardBarclaycardRewardsMasterCard

Credit Needed: Good – Excellent
Standard APR: 24.99%
Annual Fee: None
Reward Details: 
Cardholders receive 2x points on everyday purchases like gas, groceries and utilities and 1 point for every $1 spent on all other purchases

If you have fair credit, finding a cash back rewards card can be a struggle. The Barclaycard Rewards MasterCard could fit the bill. Along with helping rebuild your our credit by establishing and maintaining responsible use and payment habits, the Barclaycard Rewards MasterCard rewards you 2 points for every 1 dollar spent on gas, groceries and utilities – the essentials that you use anyway – and 1 point for every 1 dollar spent on everything else. There are no limits on how many points you can earn and points can be used like cash to pay for purchases.

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BB&T Spectrum Rewards CardBB&TSpectrumRewardsCard

Credit Needed: Fair – Excellent
Standard APR: 10.15% – 19.15%
Annual Fee: None
Reward Details:
3 percent on all purchases for first 90 days, 1 percent after

With transparent and generous cash back rewards program, the BB&T Spectrum Rewards card is one of the best cash back credit cards available. Cardholders earn 3 percent cash back on all purchases during the first 90 days after opening an account, and 1 percent cash back afterward. An extra 5 percent bonus applies on every anniversary after obtaining the card. Big spenders earn a whopping 30 percent cash back bonus after spending at least 50,000 dollars during a single year. Rewards can be spent on travel, merchandise, gift cards or redeemed for cash. The BB&T Spectrum card carries 0 percent APR on purchases and balance transfers for the first 12 months. APR varies between 10.15 percent and 19.15 percent afterward.

Webster Bank Visa Signature Credit CardWebsterBankVisaSignatureCreditCard

Credit Needed: Excellent
Standard APR: 9.99% – 20.99%
Annual Fee: None
Reward Details: 
Cardholders earn 1 point for every 1 dollar spent, with an extra automatic 25 percent bonus each month, and a 25 dollar bonus after the first purchase using the card

With the Webster Bank Visa, cash back rewards come in multiples. Cardholders earn 1 point for every 1 dollar spent, with an extra automatic 25 percent bonus each month, and a 25 dollar bonus after the first purchase using the card. There are no limits on how many points can be earned, and cardholders have five years to redeem accumulated points. The introductory APR is 0 percent for purchases and balance transfers for the first 6 months. Afterward, APR varies between a super-low 9.99 percent and 20.99 percent, based on creditworthiness.

TrueEarnings Card from Costco and American ExpressTrueEarningsCardfromCostcoandAmericanExpress

Credit Needed: Good – Excellent
Standard APR: 15.24%
Annual Fee: None
Reward Details:
Earn 3 percent cash back on gas, restaurant dining 2 and everything else 1

If you love Costco, this card belongs in your bill-folder or pocketbook. The TrueEarnings Card from Costco and American Express combines Amex and Costco membership, with an introductory APR of 0 percent for 6 months for purchases. Afterwards, APR is 15.24 percent. Cardholders earn 3 percent cash back on gas purchases up to 4,000 dollars annually. Restaurant dining earns 2 percent cash back; 1 percent cash back applies to everything else. Add more members to your account to earn even more cash back. Cash back rewards are issued as a reward coupon once each year.

USAA Cash Rewards American Express CardUSAACashRewardsAmericanExpressCard

Credit Needed: Good – Excellent
Standard APR: 9.90% – 25.90%
Annual Fee: None
Reward Details:
2.25 percent cash back on gas and groceries while 1.25 percent on everything else

If you or a family member are on active military duty or have received an honorable discharge, you’re entitled to apply for the USAA Cash Rewards American Express card. The introductory APR on purchases is 0 percent for the first 12 months for purchases and balance transfers; regular APR varies between 9.90 percent and 25.90 percent, based on the prime rate. Cardholders earn 2.25 percent cash back on gas and groceries; 1.25 percent on everything else – with no limits on how much cash back can be earned. Rewards are issued as a rebate in January of each year, based on eligible purchase transactions made during the previous year.

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Citi ThankYou Preferred CardCiti ThankYouPreferredCard

Credit Needed: Good – Excellent
Standard APR: 13.99% – 22.9%
Annual Fee: None
Reward Details:
30,000 bonus after spending $2,000 in first four months and then 2 points for every one dollar

Besides generous cash back rewards program, the Citi ThankYou Preferred Card – Earn 30,000 bonus points is embedded with Chip Technology. Cardholders earn an amazing 30,000 bonus ThankYou points after spending 2,000 dollars within 4 months of opening the account. Cardholders also earn 2 ThankYou points for every 1 dollar spent on dining and entertainment and 1 ThankYou point for each dollar spent on everything else. ThankYou points can be redeemed for merchandise, travel gift cards and cash. There is no limit on the number of ThankYou points that can be earned and points never expire.

NFL Extra Points Credit CardNFLExtraPointsCreditCard

Credit Needed: Fair – Excellent
Standard APR: 14.99% – 24.99%
Annual Fee: None
Reward Details:
10,000 points when spending $500 in the first 90 days

The NFL Extra Points Credit Card was designed with football lovers in mind, with custom editions available for every team in the league. Your chances of approval are good even if you have fair or average credit. The introductory APR is 0 percent for 15 months on purchases and balance transfers completed within the first 45 days of obtaining the card. Ticket purchases also carry a 0 percent APR for the first 6 months. Regular APR is either 14.99 percent, 19.99 percent or 24.99 percent, depending on creditworthiness. Cardholders earn a generous 10,000 bonus points – enough to redeem for a 100 dollar cash back statement credit – after spending $500 within the first 90 days of obtaining the card. NFL or team purchases earn 2 points for every 1 dollar spent; purchases at NFL.com get a 20 percent discount. Redeeming points for NFL VIP experiences, tickets or 1 percent statement credit entitles cardholders to an additional 25 dollar cash credit.

DiscoverIt Chrome for StudentsDiscoverItChromeforStudents

Credit Needed: Fair – Excellent
Standard APR: 12.99% – 21.99%
Annual Fee: None
Reward Details: 
The rewards program is a straightforward cash back program that gives 2% on gas stations and restaurants and 1% cash back on all other purchases

College can be pricey. The DiscoverIt Chrome for Students card helps students with fair credit make a dent in their expenses while giving them a chance to boost their FICO scores. The introductory APR for purchases is 0 percent for 6 months; introductory APR for balance transfers is 10.99 APR for 6 months. Regular APR varies from 12.99 percent to 21.99 percent. Cardholders earn 2 percent cash back for up to 1,000 dollars of combined restaurant and gas purchases – no signups required. Cash back earned is 1 percent for everything else. Points can be redeemed any time and never expire.

Bank of America Cash Rewards for Business MasterCardBank of America CashRewardsforBusinessMasterCard

Credit Needed: Fair – Excellent
Standard APR: 11.24% – 21.24%
Annual Fee: None
Reward Details: 
Earn 1% cash back on purchases, 2% on purchases at restaurants and 3% on purchases at gas stations and office supply stores

Back in the day cash back rewards cards for business were scarce but that’s no longer the case. The Bank of America Rewards for Business features a 0 percent introductory APR for 9 billing cycles for purchases; regular APR is as low as 11.24 percent. Cardholders earn 3 percent cash back on gas and office supply purchases, 2 percent cash back at restaurants and 1 percent on everything else. There is no limit to the amount of cash back that can be earned. Rewards can be distributed to employees invested in the business, deposited into a Bank of America bank account – or enjoyed for yourself!